$7.08B
+3.4%y/y
Percentile by value76th percentileby value
FDIC
ASSETLC
Lake City Bank
Warsaw, IndianaFDIC Cert #13102
STATEEstablished 187257 branches
Holding company: LAKELAND FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLake City Bank reported $7.08B in total assets. Deposits grew 3.83% over the prior year.
Return on assets was 1.63%, compared with an asset-peer median of 1.31%. The leverage ratio was 12.35%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.19B
+3.8%y/y
Percentile by value82nd percentileby value
FDIC
DEP$5.41B
+5.3%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET1.63%
+32 bpsy/y
Peer standing77th percentile
FDIC
NETINC + ROA46.34%
−100 bpsy/y
Peer standing84th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.35%
+14 bpsy/y
Peer standing81st percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $6.22B | $5.4B |
| Q3 2021 | $6.21B | $5.42B |
| Q4 2021 | $6.54B | $5.74B |
| Q1 2022 | $6.55B | $5.82B |
| Q2 2022 | $6.25B | $5.62B |
| Q3 2022 | $6.27B | $5.67B |
| Q4 2022 | $6.41B | $5.46B |
| Q1 2023 | $6.4B | $5.52B |
| Q2 2023 | $6.5B | $5.43B |
| Q3 2023 | $6.41B | $5.67B |
| Q4 2023 | $6.52B | $5.74B |
| Q1 2024 | $6.56B | $5.62B |
| Q2 2024 | $6.57B | $5.77B |
| Q3 2024 | $6.64B | $5.84B |
| Q4 2024 | $6.68B | $5.91B |
| Q1 2025 | $6.85B | $5.96B |
| Q2 2025 | $6.96B | $6.18B |
| Q3 2025 | $6.89B | $6.03B |
| Q4 2025 | $6.98B | $5.97B |
| Q1 2026 | $7.08B | $6.19B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $807M |
| Investor CRE | $960M |
| Multifamily | $463M |
| Construction | $522M |
| 1–4 family | $559M |
| C&I | $1.58B |
| Agriculture | $374M |
| Other | $212M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%77th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE15.04%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.46%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.34%84th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+3.83%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+5.33%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ12.35%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%39th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC203%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.05%90th 1.83%Observations 91
ROE
FDIC
NETINC + ROE15.04%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.78%Median 11.48%90th 18.46%Observations 91
NIM
FDIC
NIM + NIMY3.46%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.84%Median 3.58%90th 4.41%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.34%94th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.36%Median 66.91%90th 86.14%Observations 91
Deposits YoY
FDIC
DEP+3.83%48th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.95%Median +4.02%90th +13.36%Observations 89
Loans YoY
FDIC
LNLSNET+5.33%37th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.85%Median +6.73%90th +14.99%Observations 87
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.57%90th 1.99%Observations 87
Leverage
FDIC
RBC1AAJ12.35%78th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.59%Median 10.27%90th 15.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%28th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.65%Median 2.44%90th 3.22%Observations 90
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC203%67th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 148%90th 270%Observations 56
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.63%67th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.27%Median 1.48%90th 1.80%Observations 10
ROE
FDIC
NETINC + ROE15.04%78th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.59%Median 13.12%90th 16.62%Observations 10
NIM
FDIC
NIM + NIMY3.46%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.19%Median 3.66%90th 4.34%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.34%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.14%Median 52.46%90th 76.45%Observations 10
Deposits YoY
FDIC
DEP+3.83%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.90%Median −0.02%90th +8.59%Observations 10
Loans YoY
FDIC
LNLSNET+5.33%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.55%Median +4.00%90th +14.94%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%89th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.36%Median 0.63%90th 1.09%Observations 10
Leverage
FDIC
RBC1AAJ12.35%89th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.36%90th 12.49%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.87%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.05%Median 2.48%90th 3.58%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC203%33rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 130%Median 225%90th 294%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 57 branches
- Headquarters
- Warsaw, IN
FDIC
OFFDOMOpen the Indiana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data